Uphold Supercharges Global Crypto Payments with USDC on XRP Ledger
Uphold just flipped the switch on a game-changer for cross-border payments—USDC now runs on the XRP Ledger. No more waiting days for settlements or swallowing outrageous FX fees. The marriage of stablecoins and decentralized rails just got real.
Why This Matters
Banks hate this one trick: near-instant, sub-cent transactions that bypass their creaky SWIFT system. XRP Ledger’s 3-5 second finality meets Circle’s battle-tested stablecoin—creating a corridor even the most cynical trader can’t ignore.
The Fine Print
While Wall Street still charges $50 wire fees for ‘premium service,’ this integration proves blockchain isn’t just for degenerates aping memecoins. Actual utility? In my finance? More likely than you’d think.
TLDR
- Uphold brings USDC to XRPL for instant low-fee transfers
- Real-time payments go global with USDC on XRPL
- Fast stablecoin transactions now live on XRPL
- Win XRP by trading USDC and predicting prices
- Seamless crypto meets finance with Uphold and XRPL
Global finance platform Uphold has integrated USDC into the XRP Ledger (XRPL), advancing global crypto payment capabilities. The move enables users to deposit and withdraw USDC to and from XRPL wallets without delays. This development marks a strategic upgrade for faster, low-cost, and borderless financial transactions.
We’re bringing you USDC on XRPL!
Enjoy the flexibility of moving your $USDC to your Uphold and external XRPL wallet.
The XRP Ledger is designed to connect financial institutions, payment providers, and individuals, enabling fast and low-cost cross-border crypto transactions pic.twitter.com/gpY0mtj3lO
— Uphold (@UpholdInc) June 19, 2025
The integration of USDC on XRPL supports near-instant settlements with reduced fees for global users. Uphold aims to expand access to high-speed digital assets across supported blockchains. By combining XRPL’s scalability and USDC’s stability, the partnership seeks to optimize real-world payment use cases.
Uphold continues to scale its multi-asset ecosystem, and this step aligns with its broader blockchain support mission. USDC offers users seamless access to a decentralized ledger that handles thousands of transactions per second. The adoption strengthens interoperability between digital assets and traditional finance tools.
XRPL Integration Unlocks New Use Cases for USDC
The XRP Ledger enables cross-border payments through a decentralized network of validators, which processes transactions quickly and efficiently. Uphold gives its users access to these advantages without compromising settlement speed or cost. Businesses, developers, and users can benefit from reliable, real-time payments.
The integration supports both deposits and withdrawals between Uphold and XRPL addresses. This allows users to MOVE funds with flexibility and confidence, backed by a regulated stablecoin. The XRPL’s design further ensures the system remains secure, scalable, and energy-efficient.
USDC transactions on XRPL incur minimal fees, encouraging usage for daily remittances and business settlements. The network’s resilience and track record make it a trusted option for financial applications. Uphold’s inclusion of USDC enhances this experience by offering a stable, fiat-backed currency on-chain.
Uphold Expands Blockchain Access Through USDC Support
Uphold’s strategy includes expanding asset support across fast, efficient blockchains like XRPL. The decision to onboard USDC reflects the growing demand for stablecoins in real-world payment systems. Users can send and receive USDC instantly across multiple geographies via Uphold.
The integration also helps bridge traditional and decentralized finance ecosystems. Uphold leverages USDC’s regulatory compliance to support broader institutional and retail usage. With XRPL providing infrastructure, users gain access to real-time payments without delays.
This step allows Uphold clients to hold, send, or convert USDC across XRPL at any time. They can benefit from 24/7 uptime and bypass conventional banking limitations. The integration also supports Uphold’s long-term roadmap to simplify digital asset access.
Uphold launched a weekly trading contest tied to USDC and XRP activity to increase user participation. Each $50 traded earns one entry into a prize draw based on xrp price predictions. The campaign distributes $10,000 in XRP weekly, with 100 runner-ups receiving smaller rewards.
